CF Lieu is the new generation of independent financial adviser (IFA)
who believes there is more than meets the eyes when it comes to
financial planning.He advocates financial “life” planning – whereby return-on-life
(ROL) is more important than return-on investment (ROI).The 3 crucial questions to ask in our financial life planning are:

How can I derive the most meaning from my means (money)?

Is the fulfillment received in proportion to the money spent?

Is this in alignment with my values, goals and purposes?

CF believes financial life planning revolves around developing
the skills and mindset to:

Achieve enough means to align with our life meaning

Recognize when we have achieved enough

Stay near the peak of life fulfillment without falling
back into deprivation or gluttony

Approach

CF Lieu’s approach in financial life planning includes:

Adopt a consultative approach instead of product pushing

Value long term relationship with client instead
of transactional relationship

One advantage that CF’s clients enjoy is that being a
tech-savvy IFA, CF is able to leverage the Internet and
technology to engage clients remotely via live meetings.
This improves decision making process and effective communication.

The Right Competency & Regulatory Licenses

While a Certified Financial Planner certification is an
important competency test, any practicing IFA in Malaysia
like CF must have the following licenses to conduct holistic
or segmented fee-based financial planning services.

CF believes that every household should have a comprehensive,
custom-tailored financial plan, where each aspects of your
financial matters below must be coordinated and integrated so
that we can see with clarity, the cause & effect of one
aspect affecting the others:

CFPCERT TM, CERTIFIED FINANCIAL PLANNER® and are certification marks owned outside the U.S. by Financial Planning Standards Board Ltd. Financial Planning Association of Malaysia is the marks licensing authority for the CFP marks in Malaysia, through agreement with FPSB